Employer-Sponsored Health Insurance 101

(Authors Gary Claxton, Matthew Rae, and Aubrey Winger for The Kaiser Family Foundation published April 15, 2026)

Employer-sponsored health insurance (ESI) is the largest source of health coverage for U.S. residents under age 65. Unlike many other nations, the U.S. relies on voluntary, private health insurance as the primary source of coverage for residents who are not elderly, poor or disabled. Providing health insurance through workplaces is an efficient way of offering coverage options to working families, and the tax benefits of employer-based coverage further enhance its attractiveness. Yet ESI often results in uneven coverage, especially for those with low wages or those working at smaller firms. Overall, 60% of people under age 65, or about 165.6 million people, had employment-sponsored health insurance in 2025. The level of coverage varies significantly with income and other factors, even among working families. Continue reading here…

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